The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,287
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,793
−HK$515/mo
Today · 4.125%
HK$17,308
baseline
▲ 0.50% · 4.625%
HK$18,361
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,616/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,119
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,605
−HK$493/mo
Today · 4.125%
HK$19,098
baseline
▲ 0.50% · 4.625%
HK$20,104
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,196/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,544
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,152
−HK$617/mo
Today · 4.125%
HK$20,769
baseline
▲ 0.50% · 4.625%
HK$22,033
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,538/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,742
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,325
−HK$592/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$721/mo
Today · 4.125%
HK$24,231
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,462/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,366
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$691/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,316
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,228
−HK$926/mo
Today · 4.125%
HK$31,154
baseline
▲ 0.50% · 4.625%
HK$33,050
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,308/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,613
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,488
−HK$888/mo
Today · 4.125%
HK$34,376
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$1,811/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,752/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,273 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).